Joel Morris is a financial advisor at J.P. Morgan Securities with six years of industry experience. He holds Series 63 and Series 66 designations and has worked at both J.P. Morgan and Wells Fargo in various securities and banking roles. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework to inform recommendations. The firm operates within the broader J.P. Morgan organization and focuses on non-discretionary services delivered by a select group of wealth advisors.

Scott Seltzer is a financial advisor at Wells Fargo Clearing with 29 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at notable firms including JPMorgan Securities, JPMorgan Chase Bank, and Morgan Stanley. Outside of his advisory role, he has ownership interests in a food supplement business and a real estate investment vehicle. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary advice. The firm uses an IPS-driven approach grounded in modern portfolio theory and includes insurance-related products and bank deposit sweep options among its investment offerings.

Ronald Keebler is a financial advisor with Cetera who holds a Series 63 designation and has 39 years of industry experience. His career includes roles at Cetera Wealth Services, Summit Financial Group, Summit Brokerage Services, and Stifel. He is based in Delray Beach, FL. Cetera Investment Advisers LLC is an SEC-registered adviser serving individuals, retirement plans, corporate and charitable clients, and institutional accounts through a large nationwide network of independent advisors. The firm offers a multi-manager platform with a range of portfolio management and financial planning services supported by various program structures and custodial relationships.

James Seton is a financial advisor at J.P. Morgan Securities with a Series 66 designation and one year of industry experience. Prior to joining J.P. Morgan, he worked at Nextera Energy and Bank of America Merrill Lynch. He has also been involved with the First Presbyterian Church of Quincy. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program. The firm combines quantitative asset-allocation modeling with centralized due diligence and incorporates an ESG eligibility framework when recommending strategies.

Max Bashford is a financial advisor with Wells Fargo Clearing, holding Series 66 and Series 63 licenses and one year of industry experience. His prior roles include positions at J.P. Morgan Securities LLC, JPMorgan Chase Bank, N.A., and First National Bank Texas. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm combines in-house research and third-party analytics to evaluate investment options, serving more than 14,000 financial advisors and managing roughly $671 billion in assets.

Mark Markowski is a financial advisor at J.P. Morgan Securities with 19 years of industry experience. He holds Series 66 and Series 63 licenses and has previously worked at The Chugoku Bank, Ltd. and DZ BANK AG. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its recommendations.

Vincent Mesker is a financial advisor at Wells Fargo Clearing with 11 years of industry experience. He holds a Series 66 designation and previously worked at UBS Financial Services for 10 years. Outside of his advisory role, he acts as a power of attorney for his mother. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and incorporates a broad range of investment options, including insurance-related vehicles and bank deposit sweep programs.

Michael Peacock is a financial advisor at Raymond James & Associates with 38 years of industry experience. He previously spent 10 years with Morgan Stanley and Morgan Stanley Private Bank. He holds Series 63 and Series 65 credentials. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves individuals, institutions, charitable organizations, and municipal entities, offering financial planning and non-discretionary investment consulting supported by a range of portfolio management styles and affiliated research.

Craig Wandoff is a CFP® with 28 years of industry experience, currently serving as a financial advisor at Wells Fargo Clearing since 2016. He previously worked at Wells Fargo Advisors, LLC from 2013 to 2016. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions backed by research from Wells Fargo Investment Institute and third-party analytics.

Niusha Babazadeh is a financial advisor at Merrill with seven years of industry experience. She holds a Series 66 designation and has been with Merrill and Bank of America since 2015. Outside of her financial career, she serves as an Infantry Company Commander in the Florida Army National Guard, a role she has held since 2010. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for a wide range of clients including individuals, high-net-worth clients, and institutions.

Lisa Holland is a financial advisor with UBS Financial Services in West Palm Beach, FL, holding a Series 66 designation and 21 years of industry experience. She has been with UBS since 2011. Outside of her advisory role, she works as a fitness and nutrition coach. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings. The firm combines institutional trading capabilities with wealth management services, delivering tailored financial plans based on proprietary research and model-based asset allocations.

Alexandra Carlino is a financial advisor with Morgan Stanley in Palm Beach, FL, holding a Series 66 designation and four years of industry experience. She previously worked at J.P. Morgan Securities and J.P. Morgan Chase Bank, N.A. before joining Morgan Stanley Private Bank and Morgan Stanley Smith Barney LLC. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs and tailored financial planning, managing approximately $2.74 trillion in client assets. The firm’s financial planning process involves structured discovery and approved planning tools, with advisory services delivered through a large platform offering diverse retail and institutional investment solutions.

Christopher Mc Laughlin is a financial advisor with Merrill in Wellington, FL, holding a Series 66 designation and 21 years of industry experience. He has worked at Merrill since 2004 and Bank of America, N.A. since 2010. Outside of his advisory role, he is involved in creating and illustrating a children's book and owns Climate Change Consultants, LLC, where he advises businesses on climate change preparedness. He also serves as a committee member on the School Advisory Council at Elbridge Gail Elementary. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary strategies for individuals, high-net-worth clients, and institutional investors.

Todd Adelstein is a financial advisor with Morgan Stanley in Palm Beach, Florida, holding Series 63, 65, and 66 licenses and bringing 27 years of industry experience. His career includes 14 years at JPMorgan Chase Bank and JPMorgan Securities, followed by his current roles at Morgan Stanley Private Bank and Morgan Stanley Smith Barney. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs focused on tailored financial planning supported by structured discovery conversations and firm-approved planning tools. The firm manages approximately $2.74 trillion in client assets and provides services through its Financial Advisors and Estate Planning Strategies Group.

Christopher Cerniglia is a financial advisor at Stifel with one year of industry experience. He holds a Series 66 designation and has worked previously at MassMutual Life Insurance Co, MML Investors Services, Old City Securities, and CapInsights Partners. Stifel serves a broad range of clients including individuals, institutional clients, charitable organizations, and municipal entities, offering brokerage and investment advisory services with a proprietary investment methodology developed by its Investment Strategy Group.

Teresa Sember is a financial advisor at J.P. Morgan Securities with 36 years of industry experience. She has been with J.P. Morgan Securities since 2014 and holds Series 63 and Series 65 credentials. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines large institutional advisory operations with affiliated brokerage, distribution, and investment management capabilities.

Craig Goldslager is an investment advisor representative at Osaic with 10 years of industry experience. He previously worked at Securities America Advisors and Park Avenue Securities. Outside of his advisory role, he owns CMG Consulting, an education platform offering workshops and seminars on general financial topics. Osaic Wealth, Inc. serves a diverse client base including individual investors, corporations, and charitable organizations through a wide network of financial advisers and advisory platforms. The firm offers integrated brokerage and investment advisory services with a range of portfolio management tools and access to third-party money managers.

Giuseppe Mauceli is a CFP® and ChFC® with 25 years of industry experience, currently serving at Wells Fargo Advisors since 2023. His prior roles include positions at Wells Fargo Clearing and Wells Fargo Bank NA. He owns GLM Financial LLC, an investment-related business based in Hackensack, NJ, where he serves as trustee for the firm's 401(k) plan. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that provides investment and financial planning services to individuals, trusts, and institutional clients. The firm offers a broad planning menu and integrates advisory services with other financial products through a network of financial advisors.

Jesus Silva is a financial advisor with J.P. Morgan Securities and holds a Series 66 designation. He has six years of industry experience, including prior roles at Bank of America, Merrill, Wells Fargo Bank, and MidFlorida Credit Union. Outside of his advisory work, Silva owns and operates an e-commerce business, Point of Growth, LLC, which sells household items. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its investment process.

Joshua Lichtner is a financial advisor at Charles Schwab with the Series 66 designation and began his industry career in 2025. Prior to joining Schwab, he worked in various roles including education and hospitality. He is based in West Palm Beach, Florida. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers a combination of non-discretionary advisory relationships and access to discretionary separately managed accounts, supported by multi-asset model portfolios and alternative investment options.